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Bank of Prattville

Prattville, AL · Cert 15309

FDIC

Q1 2001

$159.7MAssets
$88.4MLoans
$131.9MDeposits
$23.1MEquity
Loan mix
46%RE $21.3M52%C&I $23.8M2%Consumer $1.1MQ2 1999Q1 2001
Deposit mix
82%Interest-bearing $108.0M18%Noninterest $23.9MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of -0.95%, down 214 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.00%.
  • Funding: loans stand at 67.01% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

-0.95%-214 bps YoY

Net Interest Margin (quarter, annualized)

4.12%
n/a

Efficiency Ratio (quarter, annualized)

112.75%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.09%0.96%0.80%1.19%1.09%1.13%0.99%-0.95%-214 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.12%n/an/a
Efficiency Ration/an/an/an/an/an/an/a112.75%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a5.09%n/an/a
Growth
Asset Growth (YoY)-0.56%-0.71%1.67%-1.18%-0.01%-0.39%-8.28%-1.51%-33 bps
Loan Growth (YoY)-6.86%-1.38%1.24%1.35%1.87%2.56%1.89%8.62%+727 bps
Deposit Growth (YoY)0.95%0.56%5.69%0.62%0.88%-1.23%-11.14%-5.72%-635 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a1.00%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a3.23%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a23.69%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a14.44%n/an/a
Liquidity & Funding
Loans / Deposits58.13%58.98%54.89%58.16%58.70%61.24%62.95%67.01%+885 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a